Insurance Business Babes

Kathe Kline
  • 4.8 (37)
  • Entrepreneurship
  • Weekly

Joanna Wyckoff and Kathe Kline each work in the Medicare space, but they run their businesses very differently. Tune in each week to find out what they are talking about and how they can help your Medicare and ACA business grow. Do you want us to talk about something on the show? Send us an audio message (you are giving us permission to use it on the show) at https://s.bcast.fm/insurance-business-babes.

  1. 2d ago

    Why You’re Not Just a Medicare Agent Anymore | Joanna Wyckoff on The Modern Insurance Agent Podcast

    Topflight Founder and CEO Joanna Wyckoff joined David Denning on The Modern Insurance Agent Podcast to talk about how independent Medicare agents can reinvent themselves as full-service life and health agents, and how AI and smart marketing are changing what it takes to compete. Joanna shares her journey from the Air Force and Social Security to building a Medicare FMO from scratch in under two years, without private equity or an inherited downline. She explains why she leads with value instead of recruiting, why agents need to use their entire license, and how she uses AI tools to save time, catch missed commissions, and run her business more efficiently. In this episode:00:00 – Intro01:21 – Meet Joanna Wyckoff03:12 – From the Air Force and Social Security to insurance08:17 – Starting the Insurance Ladies Facebook group16:39 – Building an FMO by leading with value19:32 – How carrier changes are affecting agents24:51 – Why agents can’t just be Medicare agents anymore25:47 – Getting past the stigma around sales33:22 – Helping clients fill coverage gaps36:58 – Advice for agents making the full-service shift42:46 – How AI and automation are changing the business50:53 – The biggest myth about Medicare compliance53:09 – The long-term value of renewals58:23 – Where to connect with Joanna Credits [Special Episode]:This episode originally aired on The Modern Insurance Agent Podcast, hosted by David Denning of Jumpstart Go. All rights and credit belong to David Denning and The Modern Insurance Agent Podcast. Listen to more episodes and find the show notes at jumpstartgonow.com/podcast For agent education purposes only. This is not intended for Medicare beneficiaries.  Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. Host: Joanna Wyckoff Guest: David DenningInsurance Business Babes is owned by Cmed LLC.

  2. Oct 26

    PACE: Medicare’s Best-Kept Secret with Samantha

    Your clients might qualify for PACE, and they may not even know it. Joanna sits down with Samantha, a licensed agent, PACE expert, NABIP Medicare Advisory Group member, and founding board member of Trusted Healthcare Alliance, to explain the Program of All-Inclusive Care for the Elderly (PACE). It isn’t Original Medicare and it isn’t Medicare Advantage. It’s a separate program built for people who need nursing home level care but want to stay at home. In this episode: → What PACE is and who qualifies (55+, nursing home level of care, living in a service area) → The 11-role interdisciplinary care team that coordinates everything → Prescriptions with no formulary, transportation from trained staff, meals, respite care, and DME → How agents can contract with PACE organizations and still get paid → Why agents shouldn’t fear “losing” clients to PACE → Caregiver burnout, loneliness, and the case for helping people age in place If you serve dual-eligible or high-need clients, this conversation changes how you think about your role. Chapters:00:30 Meet Samantha01:09 What is PACE?03:13 Prescriptions & benefits05:20 The 11-role care team10:39 How agents get paid13:13 Who qualifies17:43 What PACE covers29:22 How PACE is funded32:02 Medicare-only enrollment & cost33:30 Loneliness & aging in place42:27 Marketing rules for PACE48:00 Why agents should embrace PACE #Medicare #PACE #InsuranceAgents #MedicareAgent #DualEligible #AgingInPlace #InsuranceBusinessBabes  Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. Host: Joanna Wyckoff Guest: SamanthaInsurance Business Babes is owned by Cmed LLC.

  3. Oct 19

    Can't Do Every PDP Review? Meet HeyMOE with Melinda Caughill

    Your PDP clients need a plan review this AEP, but what if you can't (or don't want to) do every one yourself? Joanna and Kathe sit down with Melinda Caughill of HeyMOE, a Part D plan comparison tool built to help Medicare beneficiaries review their drug plans with confidence. Melinda breaks down how agents can point clients to a self-serve option without losing the relationship. In this episode: - What "HeyMOE" actually stands for - How clients use HeyMOE and why it catches errors [Medicare.gov](http://medicare.gov/) doesn't- Drug entry flags: levothyroxine tablets vs. capsules, metformin combos, OTC drugs, and Part B drugs - Brand vs. generic toggles and seeing real-time savings - Why comparing 20 local pharmacies can save clients hundreds - How the agent affiliate program and dashboard work - Client data privacy: does Hey Moe sell consumer data?> > Chapters> > 00:00 Intro: three PDP review options for your clients> > 02:30 Welcome, Melinda Caughill> > 03:18 What "HeyMOE" stands for> > 04:16 How HeyMOE works for clients> > 05:32 Signing up as an agent affiliate> > 08:09 How the affiliate fee works> > 09:48 Plan data and suppressed plans> > 11:45 Drug entry guardrails> > 18:37 2027 drug rules and biosimilars> > 19:51 GLP-1s and the bridge program> > 22:42 Part B drug flags> > 25:22 Viewing your clients' results> > 30:00 Pharmacy savings across 20 locations> > 35:20 Future pricing for current subscribers> > 39:38 Does HeyMOE sell client data?> > 42:00 Wrap-up Become a HeyMOE affiliate: https://certifiedmedicareagents.com/heymoeSubscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything.#InsuranceBusinessBabes #MedicareAgent #MedicareSeminars #InsuranceMarketing #AgentLife Host: Joanna Wyckoff and Kathe KlineGuest: Melinda CaughillInsurance Business Babes is owned by Cmed LLC.

  4. Oct 12

    Medicare and a Movie with Steve, Paula and Rachel

    How do you fill a movie theater with 100 Medicare prospects without paying for it all yourself? Steve Pomerantz and his team, Paula and Rachel, join Joanna to break down their sold-out "Medicare and a Movie" seminar. They had 130 RSVPs and about 100 people in the seats. They cover how they picked the movie, how they split the cost with a carrier and a provider, the Facebook ads that made seniors stop scrolling, and the follow-up system that turns attendees and no-shows into appointments.They also share how Steve grew from writing 50 apps in one AEP to over 300 the next by investing in the right people.In this episode: Why nostalgic movies draw a senior crowd What a 100-person movie event really costs (about $20 per person) How to pitch carriers and providers to co-sponsor your events Ad creative that stops the scroll, and why it doesn't have to be pretty Writing better AI prompts for your ads and thumbnails The $3.64 book that works as a lead generator Why you should never give up on your no-shows "Bring your mail": using the ANOC to create urgency Inviting current clients as built-in social proof Hiring and training your team before AEP, not during itChapters:00:30 Welcome Steve, Paula and Rachel00:45 The 100-person movie event01:48 Choosing the right movie for seniors02:36 What it cost03:28 Splitting the cost with a carrier and provider05:02 Facebook ads that stop the scroll07:16 Multiple ad creatives and AI prompts10:39 Keeping the room engaged for 45 minutes12:36 The book giveaway14:13 Follow-up and setting appointments16:34 130 RSVPs, 100 shows17:27 Don't write off your no-shows19:28 Annual Notice of Change: tell them to bring their mail20:34 What happens when a plan leaves the county24:08 Newsletters and a calendar of events26:31 Partnering with community lifestyle directors30:03 From 50 apps to 300+: investing in staff34:05 Current clients as social proof36:18 Hire and train early37:36 The fortune is in the follow-up38:58 Every policy is a family served"Every insurance policy is actually a family who is served and taken care of. It's not just a policy sold." – Joanna Wyckoff  Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. #InsuranceBusinessBabes #MedicareAgent #MedicareSeminars #InsuranceMarketing #AgentLifeHost: Joanna Wyckoff Guest: Steve Pomerantz, Paula & RachelInsurance Business Babes is owned by Cmed LLC.

  5. Oct 5

    Fact Find Beyond Medicare: The Form Isn't the Sale. The Process Is

    If your appointments start and end with Medicare, you're leaving most of the relationship on the table. While Joanna's out, Kevin Sword sits down with TopFlight lead agent Mario Ortega to walk through the fact finder that turns a Medicare appointment into a full retirement conversation. Mario covers his whole process: how he introduces himself at seminars so clients expect the bigger conversation, the personal questions that uncover hidden income and needs, and how to spot openings for long-term care, life insurance, critical illness and annuities without selling during the fact find. In this episode: Why your process matters more than any formPositioning yourself as a retirement advisor, not "just" a Medicare agentHow asking about marriage, divorce or widowhood can uncover Social Security benefits worth $1,200 to $1,500 a monthReading the client: teachers, engineers, doctors and government employeesThe deductible and out-of-pocket question that shows when a Med Supp beats the work planUsing family health history and parents' longevity to guide cancer, critical illness and annuity conversationsLong-term care without fear tactics, and why every AEP is another chance to bring it upHow the Heartland home health plan fits clients with long medication listsLife insurance reviews: spotting accidental death coverage sold as "whole life," and partnering with estate attorneysReal client stories: the pension question behind a $500K rollover, and the $80K old IRA that became the "dumbest luck annuity"Hidden income such as dividends and high-yield savings interest that pushes clients into IRMAA surchargesWhy you should always close the Medicare sale first Guest: Mario OrtegaHost: Kevin Sword (filling in for Joanna Wyckoff)Insurance Business Babes is owned by Cmed LLC.

  6. Sep 28

    Prep Yourself Before AEP Preps You

    AEP is in the air and Kathe and Joanna are not entirely thrilled aboutit. In this episode, the ladies get into what's frustrating about thisseason (carriers releasing first looks in late September, non-commissionableplans, and plans being suppressed off Medicare.gov entirely) and whatagents can actually do about it. Then they shift to the part most agentsskip: getting yourself ready before October 15th hits. What they cover:  - Why waiting on carrier first looks has agents stuck in "hurry upand wait" - Directing clients to Medicare.gov for PDP reviews and what to expectfrom the accuracy - Guaranteed issue confusion, and why unlicensed guidance costs consumersreal money - Why your business address should not be your home address (especiallyfor women)- Pre-AEP admin: license renewals, CE hours, FFM certification, carregistration. Do it now - Health prep that protects your season: doctor appointments, mealprepping, grocery delivery, and walking while you work  If your birthday falls during AEP, this one's especially for you.  ---------------------------------------------------------------  Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything.  Host: Joanna Wyckoff & Kathe KlineInsurance Business Babes is owned by Cmed LLC.

  7. Sep 14

    How to Mine Your Book With Laura Winningham

    Most agents are sitting on a book of business they never go back to. In this episode, Joanna and Laura pick up last week's conversation and get specific: How do you call a client you enrolled years ago and offer them something new without feeling like a product pusher? The answer starts before the sale. Laura walks through how she sets the expectation at the very first meeting: she's not there to sell a plan, she's there for the whole person. That framing is what makes the second, third, and fifth conversation possible years later. They cover: Why the relationship has to start at the seminar table, not at renewalGetting your phone number into the client's phone before they ever need youHow to read a client's medication list as a roadmap to coverage gapsPainting the picture: what recovery actually looks like after a stroke, and why family isn't a planUsing real client stories instead of product pitchesGetting a benefit into the client's hands fast so they never second-guess the decisionTagging and organizing your book so you know exactly who to call nextWhy the no-shows on your seminar list are still leads you paid forThe mindset shift: you're an entrepreneur offering solutions, not a salesperson pushing productWhere life insurance and annuities fit for agents feeling squeezed on Medicare commissions Laura's core argument: if you don't offer it, nobody will. And the client pays for that silence later.Subscribe for more real talk on growing your insurance business. Questions or a topic you want covered? Reach out, we read everything. Guest: Laura WinninghamHost: Joanna Wyckoff & Kathe Kline Insurance Business Babes is owned by Cmed LLC.

  8. Sep 7

    Squeeze Your Funnel: The Event is Over. The Sale Isn't

    You may as well be lighting your marketing budget on fire if you're not following up. While Kathy's away, Joanna sits down with special guest Laura Winningham to unpack the follow-up system that separates agents who fill their calendars from agents whose RSVPs go cold. Laura shares her exact playbook from calling every lead before the event and using storytelling techniques that build instant trust, to capturing the cross-selling opportunities (cancer, home health care, life insurance) most agents miss. In this episode: Why calling leads before the event sets the first impression and outperforms waiting for an inbound callHow storytelling (not the ABCs) is what actually sells you in a seminarReading the room: tailoring your pitch to teachers, federal workers, and union membersThe "Cancer Alley" hook and other stories that make prospects lean in Real client stories: the $10,000 deductible surprise, the wired-jaw dental gap, and the scooter that got denied How the Heartland home health care rebate mechanism works (and why clients love it) Using VAs and automations without losing the personal touch The permission-to-contact rule: why no-shows and old leads are still fair game Why your existing client list is a goldmine you're not mining hard enough Guest: Laura WinninghamHost: Joanna Wyckoff Insurance Business Babes is owned by Cmed LLC.

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4.8
out of 5
37 Ratings

About

Joanna Wyckoff and Kathe Kline each work in the Medicare space, but they run their businesses very differently. Tune in each week to find out what they are talking about and how they can help your Medicare and ACA business grow. Do you want us to talk about something on the show? Send us an audio message (you are giving us permission to use it on the show) at https://s.bcast.fm/insurance-business-babes.

Information

  • Creator
    Kathe Kline
  • Years Active
    2023 - 2026
  • Episodes
    120
  • Rating
    Clean
  • Copyright
    © Kathe Kline
  • Show Website
    Insurance Business Babes

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